Imagine a World...

...Where employee benefits through micro

and SMEs deliver value, access and

quality to a broad range of employee segments.

From a presentation delivered at Protection Review 15th July 2015.

The software to enable small businesses

to have employee benefit schemes, similar

to big established corporates, is already

here.

Before long this will be free digital stuff

wrapped into insurers propositions.

With the enabling technology in place, the full range of voluntary

life and disability insurances are in reach

for SMEs.

These products provide employees with choice,

so they can make the most of their benefit

programme, at minimal cost to the employer.

With the products available and hosted

platform in place, building secure data

links from payroll through the middleware

to the insurer will reduce cost of

administration.

This end to end data flow combines to

provide a complete, “foundation”

employee benefits solution for SMEs.

These components and capabilities already exist. This is a great

opportunity for insurers and adviser firms of all

sizes.

If this appeals to you let’s talk.

Ellipse is the trading style of the UK Branch of ERGO Lebensversicherung Aktiengesellschaft, which is registered in England. Registration Number: BR010594. Registered office: 15 Bermondsey Square, London SE1 3UN. ERGO Lebensversicherung Aktiengesellschaft is authorised by BaFin (the German Federal Supervisory Authority), registration number 1184 and is subject to limited regulation by the Financial Conduct Authority. Details of the extent of our regulation by the Financial Conduct Authority is available upon request.

John RitchieChief Executive@JohnRitchie3